IUL Product Articles and Videos

Indexed Universal Life (IUL) often stirs up both curiosity and confusion when researching this complex insurance product designed to track a portion of upward market movement while protecting policyholders from downside market risk. Our in-depth articles and vides help dissect how Indexed Universal Life works as well as a full examination of IUL's pros & cons.
John "Hutch" Hutchinson
Founder of BankingTruths
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ARTICLES
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VIDEOS

HUTCH'S FAVORITES

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Criticisms of Indexed Universal Life

This video explores the common criticisms of IUL and why Universal Life Insurance often gets a bad rap from the financial media & competing offerings in the financial sector. Better understand IUL’s fees & charges, taxation of Indexed Universal Life, and how IUL’s growth mechanisms work.

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Whole Life Case Study
Banking Truths Team

Indexed Universal Life Case Study

See how our new Banking Calculator analyzes an infinite banking case study with a recent Indexed Universal Life (IUL) policy. Compare banking w/ IUL vs. saving & paying cash while stress testing different rates of return, tax rates, lower indexed crediting assumptions, and different indexed and variable loan rates.

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ARTICLES

Most Indexed Universal Life (IUL) policies track the S&P 500 Index on it's way up without realizing any losses from market downturns

Indexed Universal Life Insurance Pros and Cons: How IUL Works

Indexed Universal Life pros and cons are typically exaggerated by both sides with agendas to either sell an IUL policy or competing financial offerings. This extensive article explains how IUL works, the pros and cons of Indexed Universal Life, and whether IUL is good or bad when used for growth & retirement.

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Insurance products like IUL and Whole Life helps protect policyholders from market losses unlike VUL

4 Ways Indexed Universal Life Helps Retirement

Indexed Universal Life insurance (IUL) can be an extremely versatile tool for retirement with its unique growth, taxation, and protection mechanisms built into the product. Read how a properly structured IUL policy in retirement can help you preserve other assets by buffering against market volatility and higher tax rates.

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AG49-A How we got here

Actuarial Guideline 49 has been bolted onto and re-stitched to the point where it’s degenerated into a grotesque monster with a life of its own.

Like the road to hell, AG49’s original path was paved with good intentions. Its stated aim was to alleviate confusion by creating uniformity among IUL illustrations plus additional disclosures to aid in consumer understanding.

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VIDEOS

The Cost Of Waiting (3-minute video)

People often delay when it comes to starting a life insurance policy, or they start with a smaller policy to get comfortable with it. What they don’t realize is how much future income they’re costing themselves by waiting. See the time value of money effect in this 3-minute video.

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Historical Market Movements and IUL

This video looks all the way back to the year 1900 to see how market movements over different periods could have affected Indexed Universal Life insurance. We also specifically reference an 81-year study of the S&P Index to see how capped and uncapped IUL strategies would have both performed.

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What Happens to IUL When It’s Late-Funded

What if you don’t pay your IUL premium on time? What if you planned on max-funding, but then hit some financial bumps in the road? Don’t worry, you can always pump in those premiums later on. This video shows how your Indexed Universal Life policy would be impacted if you did.

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What Happens to IUL When it’s Light-Funded

What if you planned on max-funding your Indexed Universal Life policy, but then hit some financial bumps in the road? Don’t worry, you can always pay less than you intended with IUL. This video shows how to optimize your Indexed Universal Life policy so that you wouldn’t be negatively impacted.

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Criticisms of Indexed Universal Life

This video explores the common criticisms of IUL and why Universal Life Insurance often gets a bad rap from the financial media & competing offerings in the financial sector. Better understand IUL’s fees & charges, taxation of Indexed Universal Life, and how IUL’s growth mechanisms work.

Watch Now »
Whole Life Case Study

Indexed Universal Life Case Study

See how our new Banking Calculator analyzes an infinite banking case study with a recent Indexed Universal Life (IUL) policy. Compare banking w/ IUL vs. saving & paying cash while stress testing different rates of return, tax rates, lower indexed crediting assumptions, and different indexed and variable loan rates.

Watch Now »

Cash Value + Death Benefit – Do I Get Both?

This video answers the age-old question of whether you get both the cash value and the death benefit from a life insurance policy when you die, or just the cash value. The truth of the matter is, you get to choose whether you want both or not. Life insurance is similar to everything else in life, you get what you pay for.

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WHAT'S THE NEXT STEP?

Hope you enjoy the loads of content above explaining how private banking & retirement strategies work with properly-structured life insurance.

Whether you’re looking for the high-level concepts or the focus details in various case studies we got you covered.

For those ready to take their learning to the next level you can book your own complimentary no-pressure consult here to have your questions answered and your own personalized case study modeled out. We find the light-bulb finally goes on once clients see the concept through their own numbers.

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